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Colorado Banking Trends
Colorado Banking Trends
Colorado Banking Trends
Colorado Banking Trends
Colorado Banking Trends
Colorado Banking Trends
Colorado Banking Trends
Colorado Banking Trends
Colorado Banking Trends
Colorado Banking Trends
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Colorado Banking Trends

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  • 1. “In general, the environment for banking in the next five to ten years is likely to remain favorable.” Source: “Future of Banking in America”, FDIC Banking Review, Volume 16, No, 1 1
  • 2. “In general, the environment for banking in the next five to ten years is likely to remain favorable.” Source: “Future of Banking in America”, FDIC Banking Review, Volume 16, No, 1 2004 2
  • 3. Number of Banks 14,000 12,000 12,000 10,000 10,000 8,000 8,000 6,000 6,000 4,000 4,000 2,000 Number of Banks 14,000 2,000 0 0 Asset Size <$250 million Note: Date includes only commercial banks $250 million - $1 billion $1 billion - $10 billion >$10 billion 3 Data compiled by: St. Charles Capital, LLC Source: SNL Financial
  • 4. 2013 Colorado Deposit Market Share Super Community Banks 20.1% Out-of-State Banks 68.4% Community Banks 5.2% Small Community Banks 6.4% Community Banks 2013 Total Deposits 2008 Total Deposits 5 - Year Deposit CAGR 2013 Number of Branches 2013 Deposits per Branch Out-of-State Banks $72,260,486 $52,142,050 6.74% 1,027 $70,361 Super Community Banks $21,197,674 $17,207,080 4.26% 272 $77,933 Community Banks $5,506,562 $4,064,056 6.26% 98 $56,189 Small Community Banks $6,711,448 $5,476,706 4.15% 176 $38,133 6.02% 1,573 $67,181 Total $105,676,170 $78,889,892 (1) 4 (1) Total includes closures, liquidations and other transactions Note: 2008 segmentation was determined based upon 2013 financial data Data compiled by: St. Charles Capital, LLC Source: SNL Financial
  • 5. Deposit Market Share for Top 20 Institutions Top five financial institutions account for 59.0% of the state’s deposits   Market share for the top five financial institutions is up from 2008 (51.4%)   Colorado based banks represents 31.6% of the state’s deposits 2013 Institution Parent Company 2008 Parent State Rank Active Branches Out-of-State Bank CA 1 170 $25,780,962 24.4% 7.1% 186 $18,324,085 Super Community Bank CO 2 101 $11,259,690 10.7% 8.0% 120 $7,655,933 Classification Deposits (in 000s) Market Share 5 Year Compound Annual Deposit Growth Rate Active Branches Deposits (in 000s) Wells Fargo Bank NA Wells Fargo & Company FirstBank FirstBank Holding Company JPMorgan Chase Bank NA JPMorgan Chase & Co. Out-of-State Bank NY 3 121 $11,073,657 10.5% 16.7% 128 $5,126,935 U.S. Bank NA U.S. Bancorp Out-of-State Bank MN 4 162 $10,561,380 10.0% 10.2% 149 $6,484,294 Bank of the West BNP Paribas SA Out-of-State Bank CA 5 82 $3,633,230 3.4% 4.0% 93 $2,984,695 KeyBank NA KeyCorp Out-of-State Bank OH 6 68 $2,676,321 2.5% (1.7%) 50 $2,913,833 Vectra Bank Colorado NA Zions Bancorporation Out-of-State Bank UT 7 38 $2,154,510 2.0% 4.9% 40 $1,692,145 Compass Bank Banco Bilbao Vizcaya Argentaria, SA Out-of-State Bank AL 8 38 $1,971,448 1.9% 15.3% 33 $968,788 First National Bank of Omaha Lauritzen Corporation Alpine Bank Alpine Banks of Colorado Bank of Colorado Pinnacle Bancorp, Inc. CoBiz Bank CoBiz Financial Inc. Colorado Federal Savings Bank Silver Queen Financial Services, Inc. Guaranty Bank and Trust Co. Guaranty Bancorp Colorado State Bank & Trust BOK Financial Corporation NBH Bank NA National Bank Holdings Corporation ANB Bank Sturm Financial Group, Inc. UMB Bank NA UMB Financial Corporation Citywide Banks Citywide Banks of Colorado, Inc. TCF National Bank TCF Financial Corporation Total for Market: Out-of-State Bank NE 9 26 $1,927,932 1.8% (1.5%) 28 $2,081,353 Super Community Bank CO 10 39 $1,925,101 1.8% (2.5%) 39 $2,181,867 Out-of-State Bank NE 11 34 $1,903,074 1.8% 5.5% 37 $1,459,321 Super Community Bank CO 12 11 $1,637,814 1.5% 5.3% 13 $1,265,585 Super Community Bank CO 13 1 $1,461,501 1.4% 77.3% 1 $83,373 Super Community Bank CO 14 27 $1,454,158 1.4% (3.2%) 36 $1,708,185 Out-of-State Bank OK 15 13 $1,363,857 1.3% 5.2% 17 $1,060,526 Super Community Bank CO 16 56 $1,318,885 1.2% (10.3%) 61 $2,272,743 Super Community Bank CO 17 25 $1,168,318 1.1% (0.9%) 26 $1,221,266 Out-of-State Bank MO 18 12 $1,087,345 1.0% 11.3% 17 $635,365 Super Community Bank CO 19 12 $972,207 0.9% 3.5% 15 $818,128 Out-of-State Bank MN 20 37 $912,959 0.9% 11.8% 47 $522,284 1,573 $105,676,170 6.02% 1,655 $78,889,892 Data Compiled by St. Charles Capital, LLC Source: SNL Financial (retail deposit market share as of June 30, 2013) 5
  • 6. Profitability Return on Average Assets Super Community Banks Community Banks Small Community Banks All U.S. Commercial Banks Average YTD 9/30/13 0.99% 0.67% 0.58% 1.07% 2012 0.96% 0.46% 0.53% 2011 1.20% 0.01% 0.31% 2010 0.65% (0.05%) 0.03% 1.02% 0.91% 0.65% 2012 8.76% 4.61% 4.90% 2011 12.10% 0.05% 2.95% 2010 8.79% (0.55%) 0.31% 9.06% 8.11% 5.94% 2012 3.77% 3.68% 3.85% 2011 4.07% 3.87% 3.98% 2010 5.26% 3.82% 3.93% 3.36% 3.52% 3.63% 2012 63.2% 82.4% 79.1% 2011 57.6% 81.1% 70.4% 2010 58.8% 77.3% 71.2% 61.4% 60.7% 56.7% Return on Average Equity Super Community Banks Community Banks Small Community Banks All U.S. Commercial Banks Average YTD 9/30/13 9.27% 6.76% 5.41% 9.51% Net Interest Margin Super Community Banks Community Banks Small Community Banks All U.S. Commercial Banks Average YTD 9/30/13 3.53% 3.57% 3.70% 3.20% Efficiency Ratio Super Community Banks Community Banks Small Community Banks All U.S. Commercial Banks Average YTD 9/30/13 63.2% 77.6% 78.1% 60.1% 6 Data Compiled by: St. Charles Capital, LLC Source: SNL Financial
  • 7. Profitability by Segment Loan Composition As of 9/30/2013 Super Community Banks Community Banks Small Community Banks All U.S. Commercial Banks Average Loa 5 Year Loan Compound Annual Growth Rate 13.59% 1.24% (0.77%) 0.64% Construction & Land Commercial Real Development/ Estate/ Total Loans Total Loans 7.40% 29.32% 10.43% 36.65% 7.30% 29.81% 2.68% 13.92% Real Estate/ Total Loans 85.90% 75.33% 78.32% 49.17% Commercial & Industrial/ Total Loans 9.82% 15.48% 10.14% 18.24% Asset Quality As of 9/30/2013 Super Community Banks Community Banks Small Community Banks All U.S. Commercial Banks Average Non-Performing Non-Performing Loans/ Assets/ Total Loans Total Assets 1.28% 1.12% 2.44% 2.82% 2.05% 2.47% 2.85% 1.72% Loan Reserves/ Loan Reserves/ Non-Performing Total Loans Loans 1.43% 111.29% 1.81% 74.36% 1.80% 87.72% 1.86% 65.17% YTD NCOs/ Ave. Loans 0.16% 0.40% 0.23% 0.80% Deposit Composition As of 9/30/2013 Super Community Banks Community Banks Small Community Banks All U.S. Commercial Banks Average Depo 5 Year Deposit Compound Annual Growth Rate 23.38% 7.33% 4.76% 5.62% Non-Interest Bearing Deposits/Total Deposits 28.22% 22.00% 20.72% 25.38% Time Deposits/Total Deposits 17.34% 27.02% 33.61% 13.92% Brokered Deposits/Total Cost of Interest Deposits Bearing Deposits 1.11% 0.33% 4.86% 0.46% 1.25% 0.54% 6.39% 0.40% 7 Data Compiled by: St. Charles Capital, LLC Source: SNL Financial
  • 8. Branch Statistics The number of branches in Colorado decreased at a compound annual growth rate (“CAGR”) of 1.2% over the past five years, while average deposits per branch grew at a CAGR of 6.2% over the same time period. $67,181 $58,635 $60,000 $50,000 $49,785 $51,680 $61,276 2,000 1,800 $54,823 1,600 1,400 1,200 $40,000 1,000 $30,000 800 600 $20,000 Number of Branches Average Deposits per Branch ($000s) $70,000 400 $10,000 200 $0 0 2008 2009 2010 Average Deposits per Branch 2011 2012 2013 Total Branches 8 Note: Branch count data as of June 30. Includes active / closed and retail / non-retail branches Source: FDIC Deposit Market Share Report
  • 9. Colorado M&A Activity Colorado Transactions by Market Type(1) (1/1/2008 – 9/30/2013) Denver Metro 4 Metro 9 Rural 5 Colorado Transactions by Asset Size (1/1/2008 – 9/30/2013) Greater than $500M 2 $100M to $500M 6 Less than $100M 14 Micro 4 (1)Metro market: at least one urban area with population of 50,000 or more; Micro market: at least one urban area with population between 10,000 and 50,000; Rural market: no urban areas with population greater than 10,000 9 Source: SNL Financial
  • 10. Trends for 2014 Continued consolidation Net new loan growth Increased compliance/regulatory costs Decrease in the number of bank branches Continued technology advancements 10

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